Pollock v. Farmers Mutual Fire Insurance

Defendant insured plaintiffs’ farm property for loss by fire and, also, extended coverage, including loss by explosion.

Plaintiffs’ barn, a structure 60 feet in length, 32 feet in width, and 28 feet in height, was damaged when the east end of the building collapsed.

Defendant refused to pay the undisputed damages of $4,181, contending that the damage was not caused by an explosion but by an overloading of the structure due to oats having been deposited in a bin on the second floor of the barn.

For 3 days previous to the day the barn was damaged a grain blower deposited in a bin on the east end…